Bottom row: Metromile offers fares based on mileage, with lower fares for those who drive less.
Skip to: For and against professional Potentially cheap for people who drive less than 10,000 miles a year. Protection against pet injury is included in the most comprehensive insurance policies. Oppose With a few exceptions, your driving style should be monitored at all times. There are far more complaints than any other similar sized company. Maybe not a good choice for people who regularly drive long distances.
Metromile only sells mileage car insurance. The company estimates that people who drive less than 10,000 miles per year can save hundreds of dollars a year. If you don’t drive much and don’t mind being followed, Metromile mileage coverage might be what you’re looking for.
In November 2021, Lemonade announced it would acquire Metromile in 2022.
» MORE: The best auto insurance companies
How much does Metromile car insurance cost?
Metromile car insurance rates are divided into two parts: the base rate and the mileage rate, usually cents per mile. Base rates and prices per kilometer are first determined using many factors from other insurance companies, such as age, driving experience and creditworthiness. Your monthly fare is the mileage fare times the number of miles traveled in the last month, added to your base fare.
Using the device included in your vehicle’s diagnostic port, the Metromile app tracks your driving behavior, including distance traveled, average speed, cornering or stops, and the time you drove.
Drivers in certain states may see fares change based on driving behavior. For example, in Arizona, Illinois, Oregon, and Virginia, Metromile uses the average speed, time of day, and day of the week to set fares. In Virginia, travel time is also taken into account.
Metromile announced in May 2021 that it would start paying premiums to policyholders and accepting payments for bitcoin claims. Save money with Metromile? It depends on your base fare and per mile, as well as how much you drive. Say you have a base fee of $40 per month and you pay 5 cents per mile.
If you drive 500 miles per month, your total reward is (500 x $0.05) + $40, for a total of $65 ($25 + $40).
If you drive twice as much per month, or an average of 1,000 miles, your total is $90 ($50 + $40).
But let’s say your base Metromile fare is $60 and your mileage fare is 10 cents.
Your price for a month of driving 500 miles is $110 ($50 + $60).
If you drove 1,000 miles in the same month, that would be $160. If you get a quote from Metromile, it’s a good idea to estimate your cost for a month of regular driving this way to see if you save money.
MORE: Mileage car insurance: What you need to know
Even if you pay monthly, the basic Metromile rate is actually the daily rate multiplied by the number of days in each month, so the price is slightly lower in the shorter months.
To get a better idea of how much you’ll save, potential customers can try Metromile through the company’s Ride Along feature. After you enter basic information, Metromile will track your trip for 17 days through its app. Based on these results, the company will tell you your projected monthly bill. No need to switch to Metromile after trying Ride Along.
If you travel from time to time, don’t worry; Your habits won’t result in surprising insurance bills. Policyholders in seven of the eight states that Metromile serves – Arizona, California, Illinois, Oregon, Pennsylvania, Virginia, and Washington – will not be charged more than $250 per day; in New Jersey the limit is 150 miles.
Metromile car insurance
When buying car insurance, it is important to know what auto insurance coverage you want and what you need to buy. Most states require auto insurance to drive a vehicle. Although minimum coverage requirements vary from state to state, they usually include liability insurance and coverage for uninsured or underinsured motorists.
If you want extra coverage, you may be interested in comprehensive insurance. Full coverage is not a specific type of policy; it is a combination of types of coverage such as liability, comprehensive and fully comprehensive insurance.
Check out the most common types of auto insurance below to see how they work:
Coating typeWhat did he pay for?
Liability for personal injury and property damage
The cost of injury, death, or property damage due to an accident that you cause.Usually required.
Coverage of uninsured or insufficiently insured motorists Expenses for illness and property damage following an accident with an inadequate or uninsured driver.
Costs for repairs from traffic accidents, regardless of the fault.
A car loan or rental may require this.
Repair costs due to events beyond your control, including weather events, bumping into animals while driving, theft, and vandalism. A car loan or rental may require this.
Metromile offers all the types of automatic coverage you’d expect, with additional options available including:
If you have taken out comprehensive and fully comprehensive insurance, you can order this as well.
Pet injury protection is included with Metromile’s comprehensive coverage and in the event of a collision in every state it serves except Illinois and Virginia. Offer up to $1,000 if your dog or cat is injured in an accident.
Glass reduction without reduction
If your glass needs to be completely replaced, you don’t have to pay for a reduction. This coverage is only available in certain states for an additional fee. Metromile automatically waives deductions for all customers with fully comprehensive insurance in case the glass needs repair.
Metromile also offers partial coverage for drivers in California and Illinois who use the Turo car-sharing platform. With this coverage, you only pay for the miles you drive, not for the miles you drive someone else using your car.
MORE: Compare car insurance rates Car insurance discount
Metromile car insurance discounts vary by country. Depending on where you live, you may be entitled to:
Discounts on alarms in your car. Discounts on anti-theft or vehicle recovery. Discounts for error-free accidents.
Continuous coverage discount. Discounts for adult drivers. Discounts for multiple cars. Discounts for lost points on SIM. Safety equipment discounts. Travel discounts for safe driving (up to 15% in Arizona and 40% in Oregon). Discounts for getting online deals. Paperless discounts.
Guide to buying car insurance
Before you compare car insurance, you need to gather basic information. This includes the driving history of everyone covered by the policy, as well as facts about your car such as: B. Safety features and annual mileage. You should also determine the type of coverage you need. For example, do you only want the minimum insurance your country requires, or do you need more coverage, such as: B. Passport or travel insurance? Make sure each company you consider has the options you want.
When comparing rates between insurance companies, make sure they all offer the same coverage and a deductible limit. Maybe you don’t want to base your decision solely on price. Take a look at how many consumer complaints each business has, as multiple complaints can be a warning sign of the quality of service you are receiving.
Depending on which company you choose, you may be able to purchase insurance online, over the phone, or through an agent. For more information, see How to get car insurance.
According to three years of data from the National Association of Insurance Commissioners, Metromile has a significantly higher number of auto insurance complaints than would be expected with state regulators relative to its size.
More about Metromile insurance
Tracking Device: The Metromile Pulse device tracks your mileage. The free tool plugs into your car’s diagnostic port and sends the data to the insurance company. Pulse can also collect data such as average speed, turns or stops.
Mobile App: Metromile mobile app is the place to check your mileage recorded by Pulse device. You can also view policy documents, car insurance cards, and travel costs based on mileage. Other features of this app are:
Parking: Find your parked car and sweep it on the street to avoid tickets.
Trip data includes speed, distance and how much you spend on gas. Car status that tells you what your check engine light means. If you sign up and make your first payment, your coverage can start the next day, even if you don’t have a Pulse device. You are protected during the grace period when Metromile ships the device to you.
The grace period is 10 days in every state the company serves except California, and you won’t pay the price per mile until you include Pulse in that state. In California, the grace period is seven days and you won’t pay any mileage fees for driving during that time.
Insurance Complaint Methodology
NerdWallet reviewed complaints received from state insurance regulators and reports to the National Association of Insurance Commissioners in 2018-2020. To assess how insurance companies compare to one another, NAIC calculates a complaints index for each subsidiary and annually measures their share of total complaints in relation to their size or share of total premiums in the industry.
To assess a company’s complaint history, NerdWallet calculated a similar index for each insurance company, weighted by the market share of each subsidiary, over a three-year period. The coefficients are determined separately for car, household (including renters and apartments) and life insurance.